Research On The Risk Management Of Online Banking Of A Bank

With the rapid development of the internet and network economy, online banking now begins to grow faster and faster, and becomes one of the primary means for commercial banks to increase their competitiveness. The online banking in China maintains a good momentum of rapid growth and is attracting more customers. Online banking of A Bank has also experienced a process from scratch, and now is in a period of rapid development. As an emerging financial service channel and a new mode of operation, online banking brings customers new service and promotes the profitability of commercial banks, at the same time, it also brings new risks and challenges to banking industry. Compared with other developed countries, China’s online banking risk management mechanism has become a bottleneck in its process of rapid development, and need highly concern and further research.After almost two decades of development, online banking of A Bank become a more competitive part of the industry. Online banking of A Bank development process Online banking of A Bank risk, found that the main there are two major aspects of the technical and operational aspects of risk, from a technical perspective, the risk of system security, continuity of business operations risk of data concentration risk, outsourcing management risk, operational level operational risk, legal risk, reputational risk, internal control and manage risk. A bank in controlling these risks has accumulated some experience, but at the same time, there are still many problems, such as the maintenance of the information technology system is weak, inadequate construction of the internal control system of online banking, online banking reputational risk not know the place safety tips and risk reveal to customers is not enough and so on. Online banking of A Bank risk management of these problems is due to several reasons:online banking technology support behind the internal structure uncoordinated, internal control system is imperfect, imperfect relevant legal framework, customer risk awareness through access to large amounts of data, weak. Through comparative analysis found that Europe and the United States, Hong Kong and other countries in risk management has accumulated a large number of successful experience Online banking of A Bank can be used for our own use, Online banking of A Bank from the technical level and the operational level to strengthen risk management, technology level can be established emergency response mechanism, to strengthen information technology management, strengthen technology outsourcing management at the operational level, to improve the online bank’s internal risk control system and risk evaluation system, strengthen the reputation risk management and customer awareness of risk prevention and so on.Online banking is the newest idea in the financial industry because of the information revolution, the core elements of the development of electronic commerce, finance, e-commerce a bridge and link is connected. The development of online banking will directly affect the development of e-commerce, the relationship between China’s commercial banks can seize this opportunity for development and enhance competitiveness, to break into the international market, and eventually developed into a large-scale international commercial banks. Online banking service of A Bank started early in domestic banking industry. It has certain experience that worth learning, but at the same time it should also learn from other advanced risk management experience, which is useful to guard against the risk of online banking, improve its service, and enhance its competitiveness. The research will also play an important role in promoting China’s commercial banks to improve online banking risk management system.